GMC Terrain Insurance Quotes [How to Find Low Rates Online]
If you want to buy GMC Terrain auto insurance coverage online then a policy will cost $111 per month ($1,336 per year) on average. Finding GMC Terrain teenager insurance rates can cost on average $4,883 a year, so shop around to find cheap coverage.
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Written by
Leslie Kasperowicz
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UPDATED: Jul 16, 2020
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Key takeaways:
- Full coverage costs around $1,336 a year or $111 each month
- A liability-only policy costs around $536 a year or $45 each month
- Highest rates are for teenage drivers at around $4,883 a year or $407 each month
- Good drivers can save as much as $551 a year by earning policy discounts
- GMC Terrain insurance costs around $183 less per year than the average vehicle
GMC Terrain insurance rates are about $183 less per year than the average vehicle with full coverage costing around $1,336 a year or $111 a month. Good drivers can save up to $551 a year in policy discounts by being a safe driver. Let’s take a quick look at GMC Terrain insurance rates, crash test ratings, and more.
You can start comparing quotes for GMC Terrain car insurance rates from some of the best car insurance companies by using our free online tool now.
GMC Terrain Insurance Cost
The average GMC Terrain auto insurance rates are $1,336 a year or $111 a month.
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Are GMC Terrains Expensive to Insure?
The chart below details how GMC Terrain insurance rates compare to other SUVs like the Lexus RX 350, Kia Telluride, and Acura MDX.
| Vehicle | Comprehensive | Collision | Liability | Total |
| GMC Terrain | $322 | $562 | $316 | $1,336 |
| Lexus RX 350 | $358 | $660 | $440 | $1,638 |
| Kia Telluride | $376 | $688 | $316 | $1,516 |
| Acura MDX | $376 | $562 | $372 | $1,468 |
| Acura RDX | $308 | $532 | $316 | $1,292 |
| Honda Passport | $362 | $656 | $316 | $1,470 |
| Volkswagen Tiguan | $306 | $542 | $332 | $1,316 |
However, there are a few things you can do to find the cheapest GMC insurance rates online.
What Impacts the Cost of GMC Terrain Insurance?
The GMC Terrain trim and model you choose can impact the total price you will pay for GMC Terrain insurance coverage.
Age of the Vehicle
Older GMC Terrain models generally cost less to insure. For example, auto insurance rates for a 2020 GMC Terrain are $1,336, while 2010 GMC Terrain rates are $1,064, a difference of $272.
| Model Year | Comprehensive | Collision | Liability | Total |
| 2020 GMC Terrain | $322 | $562 | $316 | $1,336 |
| 2019 GMC Terrain | $306 | $542 | $332 | $1,316 |
| 2018 GMC Terrain | $294 | $536 | $338 | $1,304 |
| 2017 GMC Terrain | $284 | $524 | $354 | $1,298 |
| 2016 GMC Terrain | $274 | $502 | $364 | $1,276 |
| 2015 GMC Terrain | $260 | $484 | $376 | $1,256 |
| 2014 GMC Terrain | $250 | $450 | $384 | $1,220 |
| 2013 GMC Terrain | $240 | $424 | $388 | $1,188 |
| 2012 GMC Terrain | $230 | $380 | $390 | $1,136 |
| 2011 GMC Terrain | $214 | $350 | $390 | $1,090 |
| 2010 GMC Terrain | $206 | $328 | $394 | $1,064 |
Driver Age
Driver age can have a significant impact on GMC Terrain auto insurance rates. For example, 20-year-old drivers pay approximately $1,634 more each year for their GMC Terrain auto insurance than 30-year-old drivers.
Driver Location
Where you live can have a large impact on GMC Terrain insurance rates. For example, drivers in Los Angeles may pay $191 a year more than drivers in Houston.
Your Driving Record
Your driving record can have an impact on the cost of GMC Terrain auto insurance. Teens and drivers in their 20’s see the highest jump in their GMC Terrain car insurance with violations on their driving record.
GMC Terrain Safety Ratings
Your GMC Terrain car insurance rates are influenced by the safety ratings of the GMC Terrain. See the breakdown below:
| Test Type | Rating |
| Small overlap front: driver-side | Good |
|---|---|
| Small overlap front: passenger-side | Good |
| Moderate overlap front | Good |
| Side | Good |
| Roof strength | Good |
| Head restraints and seats | Good |
| Source: Insurance Institute for Highway Safety | |
GMC Terrain Crash Test Ratings
GMC Terrain crash test ratings can impact your GMC Terrain car insurance rates. See GMC Terrain crash test results below:
| Vehicle Tested | Overall | Frontal | Side | Rollover |
| 2020 GMC Terrain SUV FWD | 5 stars | 5 stars | 5 stars | 4 stars |
| 2020 GMC Terrain SUV AWD | 5 stars | 5 stars | 5 stars | 4 stars |
| 2019 GMC Terrain SUV FWD | 5 stars | 5 stars | 5 stars | 4 stars |
| 2019 GMC Terrain SUV AWD | 5 stars | 5 stars | 5 stars | 4 stars |
| 2018 GMC Terrain SUV FWD Later Release | 5 stars | 5 stars | 5 stars | 4 stars |
| 2018 GMC Terrain SUV FWD Early Release | 4 stars | 5 stars | 4 stars | 4 stars |
| 2018 GMC Terrain SUV AWD Later Release | 5 stars | 5 stars | 5 stars | 4 stars |
| 2018 GMC Terrain SUV AWD Early Release | 4 stars | 5 stars | 4 stars | 4 stars |
| 2017 GMC Terrain SUV FWD | 4 stars | 4 stars | 5 stars | 4 stars |
| 2017 GMC Terrain SUV AWD | 4 stars | 4 stars | 5 stars | 4 stars |
| 2016 GMC Terrain SUV FWD | 4 stars | 4 stars | 5 stars | 4 stars |
| 2016 GMC Terrain SUV AWD | 4 stars | 4 stars | 5 stars | 4 stars |
| 1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration | ||||
|---|---|---|---|---|
GMC Terrain Safety Features
The GMC Terrain safety features play a vital role in keeping passengers safe in crashes, but they can also help lower your GMC Terrain auto insurance rates. The GMC Terrain’s safety features include:
- Driver Air Bag
- Passenger Air Bag
- Front Head Air Bag
- Rear Head Air Bag
- Front Side Air Bag
- 4-Wheel ABS
- 4-Wheel Disc Brakes
- Brake Assist
- Electronic Stability Control
- Daytime Running Lights
- Traction Control
- Lane Departure Warning
- Lane Keeping Assist
GMC Terrain Insurance Loss Probability
The GMC Terrain’s insurance loss probability varies between different coverage types. The lower percentage means lower GMC Terrain auto insurance costs; higher percentages mean higher GMC Terrain auto insurance costs.
| Insurance Coverage Category | Loss Rate |
| Collision | -11% |
|---|---|
| Property Damage | -17% |
| Comprehensive | -19% |
| Personal Injury | -4% |
| Medical Payment | -8% |
| Bodily Injury | -14% |
| Source: Insurance Institute for Highway Safety | |
GMC Terrain Finance and Insurance Cost
If you are financing a GMC Terrain, most lenders will require your carry higher GMC Terrain coverage options including comprehensive coverage, so be sure to shop around and compare GMC Terrain auto insurance quotes from the best auto insurance companies using our FREE tool below.
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Ways to Save on GMC Terrain Insurance
If you want to reduce the cost of your GMC Terrain insurance rates, follow these tips below:
- Ask About GMC Terrain Low Mileage Discounts
- Use an Accurate Job Title When Requesting GMC Terrain Auto Insurance
- Check the Odometer on Your GMC Terrain
- Understand that Insurance Companies Can’t Change Your GMC Terrain Auto Insurance Rate Mid-Term Based on Changes to Your Credit Score
- Use Paperless Billing for Your GMC Terrain Insurance Policy
Top GMC Terrain Insurance Companies
Who is the best company for GMC Terrain insurance rates? While the actual rates you pay will depend on many factors, here are some of the top companies offering GMC Terrain insurance coverage (ordered by market share). Many of these companies offer discounts for security systems and other safety features that the GMC Terrain offers.
| Rank | Company | Volume | Market Share |
| 1 | State Farm | $65,615,190 | 9.3% |
| 2 | GEICO | $46,106,971 | 6.6% |
| 3 | Progressive | $39,222,879 | 5.6% |
| 4 | Liberty Mutual | $35,600,051 | 5.1% |
| 5 | Allstate | $35,025,903 | 5.0% |
| 6 | Travelers | $28,016,966 | 4.0% |
| 7 | USAA | $23,483,080 | 3.3% |
| 8 | Chubb | $23,388,385 | 3.3% |
| 9 | Farmers | $20,643,559 | 2.9% |
| 10 | Nationwide | $18,442,145 | 2.6% |
| Source: Insurance Information Institute | |||
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